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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • Well was kind to myself this weekend so spent most of it resting - even having my groceries delivered! Not got much done... Did the washing but none of it has been put away!

    Busy week ahead... OH is out all of next saturday gaming with his mates! More importantly taking my car! I need someone to give my DD a lift to a dress rehearsal in the next town for the church play - she is going to be Mary - bless! She was Mary in her first year at school but this year she is just a guest but that is fair enough....

    So MIL is back over Wednesday to see school play - ouch does that mean I need to tidy up (the day before my cleaner starts back!!!)

    I originally thought - not a problem taking my car as we could walk into town or get a bus - but didn't know about the dress rehearsal at that point! Still got DS and my Dad's pressies to buy too... time running out LOL

    I've wrapped most of DS's pressies - everyone else's still to do!

    Hi SavingH,

    Hope the arm is feeling much better :)

    I have a couple of presents left to get too and can't believe that time is running out!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Glad you've been kind to yourself. hope the arm feels better tomorrow.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My arm is okay. I kind of slept thro my first alarm - so 10 minutes behind now - so I had better dash. I was having really weird dreams too!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I've been paid - a bit less net than I expected but I think that is the difference between 4 weeks pay and 4.2 that you would normally get for a month!

    Got home at a reasonable time despite leaving slightly later than normal. Left over lamb for tea so yum yum

    Need to do banking in a bit and see how much to pay off
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Well I've been paid - a bit less net than I expected but I think that is the difference between 4 weeks pay and 4.2 that you would normally get for a month!

    Got home at a reasonable time despite leaving slightly later than normal. Left over lamb for tea so yum yum

    Need to do banking in a bit and see how much to pay off

    Glad you got paid SavingH!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Me too, glad you got paid that is. Have fun with the number crunching.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Decided to just prop up our bank accounts for now - with getting paid late everything seems out of place. If I do get paid the week before xmas again - then I hope to use most of it towards debt repayment then... everything is on interest free until at least part way thro jan anyway
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi guys - well redeemed another fiver from bp today.

    Need to finish getting ready and get out the door now. OH has today off as it is DD's xmas play this afternoon - I'm jealous LOL! He is going to try and take her to the doctors but will have to get a taxi as he can't put her on the back of his motorbike!

    I really hope work keep their promise and pay me again just before xmas. Need to raise the invoices this week - so also need to get the purchase order sorted. Couldn't face porridege for breakfast today - so have only had hazelnuts and a banana - will probably be starving later.

    Anyway bye for now -hope everyone else is okay!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Good luck with the pay before Xmas. Sorry you're missing the school play but it's great that your OH can be there for your dd.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi verbatim - I'm going to DD's play tomorrow night - finishing work early - so no worries there!

    I am shattered today tho - hectically busy again!

    Hope everyone else okay... got to bite the bullet later and get the cash out for DS's pressie and take it to friend's house who is going to get it for me... (price) ouch ouch ouch!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
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